A. Description of the Advisory Firm
Helium Advisors LLC (hereinafter “Helium Advisors”) is a Limited Liability Company
organized in the State of Washington. The firm was formed in November 2015 and
became registered as an investment adviser in April 2016. The principal owner is Helium
Financial Group, LLC, which is owned by Caysam, LLC and Katahdin Ventures, LLC.
Caysam, LLC is owned by Gary N Russell, President of Helium Advisors, and Katahdin
Ventures, LLC is owned by Howard Alexander Morin, Chief Compliance Officer of Helium
Advisors.
B. Types of Advisory Services
Portfolio Management Services
Helium Advisors offers ongoing portfolio management services based on the individual
goals, objectives, time horizon, and risk tolerance of each client. Helium Advisors creates
an Investment Policy Statement for each client, which outlines the client’s current
situation (income, tax levels, and risk tolerance levels) and then constructs a plan to aid
in the selection of a portfolio that matches each client's specific situation. Portfolio
management services include, but are not limited to, the following:
• Investment strategy • Personal investment policy
• Asset allocation • Asset selection
• Risk tolerance • Regular portfolio monitoring
Helium Advisors evaluates the current investments of each client with respect to their
risk tolerance levels and time horizon. Helium Advisors will request discretionary
authority from clients in order to select securities and execute transactions without
permission from the client prior to each transaction. Risk tolerance levels are
documented in the Investment Policy Statement, which is given to each client.
Helium Advisors seeks to provide that investment decisions are made in accordance with
the fiduciary duties owed to its accounts and without consideration of Helium Advisors’
economic, investment or other financial interests. To meet its fiduciary obligations,
Helium Advisors attempts to avoid, among other things, investment or trading practices
that systematically advantage or disadvantage certain client portfolios, and accordingly,
Helium Advisors’ policy is to seek fair and equitable allocation of investment
opportunities/transactions among its clients to avoid favoring one client over another
over time. It is Helium Advisors’ policy to allocate investment opportunities and
transactions it identifies as being appropriate and prudent among its clients on a fair and
equitable basis over time.
Retirement Plan / Pension Consulting Services
Helium Advisors offers ongoing consulting services to pension or other retirement plans
(including but not limited to 401(k) plans) based on the demographics, goals, objectives,
time horizon, and/or risk tolerance of the plan’s participants. Retirement consulting
services are provided on a non-discretionary basis and Helium Advisors does not
perform trades in these accounts. Helium Advisors will be investment adviser with
respect to such matters as, inter alia: (1) identifying investment objectives and
restrictions; (2) allocating plan assets to various objectives; (3) selecting money managers
to manage plan assets in ways designed to achieve objectives; (4) selecting mutual funds
that plan participants can choose as their funding vehicles; (5) monitoring performance
of money managers and mutual funds and making recommendations for changes; and
(6) selecting other service providers, such as custodians, administrators and broker- dealers.
Financial Planning Services
Helium Advisors offer two levels of financial planning services.
Basic financial planning may include but are not limited to investment planning; life
insurance; tax concerns; retirement planning; college planning; and debt/credit
planning. Financial planning is provided on
a non-discretionary basis.
Helium Advisors offers Family Office Services, intended for high to ultra-high net worth
clientele. This service is a comprehensive service, which includes but is not limited to;
investment planning, life insurance, tax concerns, retirement planning, education
planning, and debt/credit planning Investment planning involves working with clients
to make sure their investments match their respective risk tolerance and goals. Tax
concerns are addressed by working with the client to determine and compare effective
tax rates for income, capital gains and other earnings or investments, then attempting to
allocate the client’s resources accordingly. Life insurance planning entails reviewing the
life insurance and/or disability insurance needs of the client, together with any applicable
dependents, spouse or other relatives, and assessing appropriate coverage for these
individuals. College planning entails helping clients save for higher education, whether
for the client or his/her children or other dependents, in the ideal manner to suit the
client’s overall financial goals and means. Financial planning to address retirement
entails making sure clients are financially equipped for retirement in light of the client’s
anticipated income and expenses, investments, and other assets. Debt/credit planning
consists of breaking down client budgets and aiding clients in decision-making as to
current debt, anticipated significant expenses and potential debt, and avoiding excessive
debt.
Tax Preparation Services
In the event that a client requires Tax Preparation, Helium Advisors can utilize on of our tax
preparation affiliates, The Tax and Accounting Group, Helium Day Tax, HM, H. Maris &
Associates LLC for those services. for those services. There is no additional charge for clients
to utilize a tax preparation affiliate of Helium Advisors.
Subscription Services
Helium Advisors provides subscription services free of charge. These services include a newsletter
that will offer recommendations on purchasing and selling specific securities, sectors, asset classes,
or other specific groupings of securities at a stated time.
Educational Seminars/Workshops
Helium Advisors provides periodic educational seminars and workshops to clients and the
general public free of charge.
Services Limited to Specific Types of Investments
Helium Advisors generally limits its investment advice to mutual funds, fixed income
securities, real estate funds (including REITs), insurance products including annuities,
equities, ETFs, treasury inflation protected/inflation linked bonds and non-U.S.
securities. Helium Advisors may use other securities as well to help diversify a portfolio
when applicable.
C. Client Tailored Services and Client Imposed Restrictions
Helium Advisors will tailor a program for each individual client. This will include an
interview session to get to know the client’s specific needs and requirements as well as a
plan that will be executed by Helium Advisors on behalf of the client. Helium Advisors
may use “model portfolios” together with a specific set of recommendations for each
client based on their personal restrictions, needs, and targets. Clients may impose
restrictions in investing in certain securities or types of securities in accordance with
their values or beliefs.
D. Wrap Fee Programs
A wrap fee program is an investment program where the investor pays one stated fee
that includes management fees, transaction costs, fund expenses, and other
administrative fees. Helium Advisors does not participate in any wrap fee programs.
E. Assets Under Management
Helium Advisors has the following assets under management:
Discretionary Amounts: Non-discretionary Amounts: Date Calculated:
$ 253,083,112 $ 23,106,920 December 2023